Home > American Business Bank > Performance and Condition Ratios
American Business Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 3,443 |
| Cost of funding earning assets | 1.0056% | 3,277 |
| Net interest margin | 3.2944% | 2,654 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.7179% | 4,114 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1550% | 1,770 |
| Return on assets (ROA) | 1.1332% | 1,805 |
| Pretax return on assets | 1.5648% | 1,302 |
| Return on Equity (ROE) | 15.5900% | 1,177 |
| Retained earnings to average equity (ytd only) | 15.5851% | 289 |
| Net charge-offs to loans | 0.0138% | 2,140 |
| Credit loss provision to net charge-offs | 887.7907% | 451 |
| Earnings coverage of net charge-offs (x) | 189.4826% | 606 |
| Efficiency ratio | 50.5571% | 3,942 |
| Assets per employee ($millions) | 16.7499% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 2,820 |
| Loan loss allowance to noncurrent loans | 362.0865% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,223 |
| Noncurrent loans to loans | 0.3047% | 2,094 |
| Net loans and leases to total assets | 65.3700% | 2,325 |
| Net loans and leases to deposits | 72.9448% | 2,701 |
| Net loans and leases to core deposits | 77.1403% | 2,906 |
| Total domestic deposits to total assets | 89.6100% | 872 |
| Equity capital to assets | 8.0470% | 3,378 |
| Core capital (leverage) ratio | 9.6409% | 3,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3689% | 2,464 |
| Memoranda: | ||
| Average total assets | $3,879,880,400 | 328 |
| Average earning assets | $3,700,790,200 | 309 |
| Average equity | $282,102,800 | 417 |
| Average total loans | $2,501,592,800 | 349 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 3,381 |
| Cost of funding earning assets | 0.9597% | 3,133 |
| Net interest margin | 3.2865% | 2,718 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.7216% | 4,091 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.1394% | 1,941 |
| Return on assets (ROA) | 1.1217% | 1,965 |
| Pretax return on assets | 1.5492% | 1,468 |
| Return on Equity (ROE) | 15.8500% | 1,280 |
| Retained earnings to average equity (ytd only) | 15.8528% | 475 |
| Net charge-offs to loans | 0.0083% | 2,104 |
| Credit loss provision to net charge-offs | 1,301.9481% | 337 |
| Earnings coverage of net charge-offs (x) | 314.9675% | 437 |
| Efficiency ratio | 50.7713% | 3,853 |
| Assets per employee ($millions) | 16.4858% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 2,872 |
| Loan loss allowance to noncurrent loans | 519.3039% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 2,650 |
| Noncurrent loans to loans | 0.2117% | 2,502 |
| Net loans and leases to total assets | 64.1000% | 2,439 |
| Net loans and leases to deposits | 70.9001% | 2,782 |
| Net loans and leases to core deposits | 74.7951% | 2,940 |
| Total domestic deposits to total assets | 90.4100% | 837 |
| Equity capital to assets | 7.2087% | 3,510 |
| Core capital (leverage) ratio | 9.4135% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6618% | 2,404 |
| Memoranda: | ||
| Average total assets | $3,874,169,500 | 330 |
| Average earning assets | $3,690,413,000 | 313 |
| Average equity | $274,115,000 | 426 |
| Average total loans | $2,482,081,000 | 351 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,351 |
| Cost of funding earning assets | 0.8894% | 2,958 |
| Net interest margin | 3.2827% | 2,789 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.6943% | 4,155 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1809% | 1,879 |
| Return on assets (ROA) | 1.1568% | 1,947 |
| Pretax return on assets | 1.5919% | 1,426 |
| Return on Equity (ROE) | 16.4500% | 1,192 |
| Retained earnings to average equity (ytd only) | 16.4534% | 431 |
| Net charge-offs to loans | 0.0129% | 1,707 |
| Credit loss provision to net charge-offs | 988.1250% | 417 |
| Earnings coverage of net charge-offs (x) | 208.8500% | 587 |
| Efficiency ratio | 49.5501% | 3,962 |
| Assets per employee ($millions) | 16.8945% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 3,011 |
| Loan loss allowance to noncurrent loans | 469.4540% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 2,511 |
| Noncurrent loans to loans | 0.2316% | 2,338 |
| Net loans and leases to total assets | 63.3500% | 2,448 |
| Net loans and leases to deposits | 75.9741% | 2,316 |
| Net loans and leases to core deposits | 79.7192% | 2,491 |
| Total domestic deposits to total assets | 83.3800% | 2,962 |
| Equity capital to assets | 7.2528% | 3,661 |
| Core capital (leverage) ratio | 9.1505% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5366% | 2,449 |
| Memoranda: | ||
| Average total assets | $3,874,172,333 | 318 |
| Average earning assets | $3,697,467,667 | 302 |
| Average equity | $272,394,333 | 419 |
| Average total loans | $2,472,439,667 | 336 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 3,263 |
| Cost of funding earning assets | 0.6293% | 3,293 |
| Net interest margin | 3.4635% | 2,464 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.6758% | 4,222 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.3733% | 1,479 |
| Return on assets (ROA) | 1.3560% | 1,490 |
| Pretax return on assets | 1.8609% | 967 |
| Return on Equity (ROE) | 19.6000% | 810 |
| Retained earnings to average equity (ytd only) | 19.5981% | 403 |
| Net charge-offs to loans | -0.0016% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.4657% | 4,191 |
| Assets per employee ($millions) | 17.3175% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 3,283 |
| Loan loss allowance to noncurrent loans | 434.5500% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 2,423 |
| Noncurrent loans to loans | 0.2422% | 2,288 |
| Net loans and leases to total assets | 63.2000% | 2,337 |
| Net loans and leases to deposits | 79.6986% | 1,840 |
| Net loans and leases to core deposits | 82.0062% | 2,113 |
| Total domestic deposits to total assets | 79.3000% | 3,868 |
| Equity capital to assets | 7.2099% | 3,723 |
| Core capital (leverage) ratio | 8.8991% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5633% | 2,553 |
| Memoranda: | ||
| Average total assets | $3,859,940,500 | 331 |
| Average earning assets | $3,695,411,500 | 311 |
| Average equity | $267,066,500 | 433 |
| Average total loans | $2,458,963,500 | 347 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4911% | 3,096 |
| Cost of funding earning assets | 0.0736% | 4,498 |
| Net interest margin | 3.4175% | 2,193 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.5867% | 4,322 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2700% | 1,528 |
| Return on assets (ROA) | 1.2685% | 1,486 |
| Pretax return on assets | 1.7377% | 847 |
| Return on Equity (ROE) | 19.2100% | 546 |
| Retained earnings to average equity (ytd only) | 19.2130% | 107 |
| Net charge-offs to loans | -0.0026% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 46.0680% | 4,342 |
| Assets per employee ($millions) | 17.0701% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,321 |
| Loan loss allowance to noncurrent loans | 427.8187% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 2,285 |
| Noncurrent loans to loans | 0.2839% | 2,130 |
| Net loans and leases to total assets | 62.7600% | 2,353 |
| Net loans and leases to deposits | 71.0915% | 2,479 |
| Net loans and leases to core deposits | 71.8731% | 2,733 |
| Total domestic deposits to total assets | 88.2800% | 1,978 |
| Equity capital to assets | 6.6250% | 3,854 |
| Core capital (leverage) ratio | 8.7516% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4588% | 2,584 |
| Memoranda: | ||
| Average total assets | $3,828,141,800 | 327 |
| Average earning assets | $3,659,314,000 | 310 |
| Average equity | $252,740,800 | 435 |
| Average total loans | $2,251,313,400 | 344 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3436% | 3,068 |
| Cost of funding earning assets | 0.0456% | 4,596 |
| Net interest margin | 3.2980% | 2,305 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.5460% | 4,369 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.2075% | 1,673 |
| Return on assets (ROA) | 1.2064% | 1,652 |
| Pretax return on assets | 1.6496% | 1,006 |
| Return on Equity (ROE) | 18.2900% | 609 |
| Retained earnings to average equity (ytd only) | 18.2879% | 154 |
| Net charge-offs to loans | -0.0019% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.6544% | 4,343 |
| Assets per employee ($millions) | 17.9309% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,355 |
| Loan loss allowance to noncurrent loans | 1,216.9020% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,269 |
| Noncurrent loans to loans | 0.1014% | 3,150 |
| Net loans and leases to total assets | 60.1800% | 2,482 |
| Net loans and leases to deposits | 64.8638% | 2,804 |
| Net loans and leases to core deposits | 65.5782% | 2,979 |
| Total domestic deposits to total assets | 92.7800% | 637 |
| Equity capital to assets | 6.2403% | 3,865 |
| Core capital (leverage) ratio | 8.4011% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3903% | 2,694 |
| Memoranda: | ||
| Average total assets | $3,824,986,750 | 325 |
| Average earning assets | $3,654,994,750 | 311 |
| Average equity | $252,313,250 | 440 |
| Average total loans | $2,204,091,250 | 346 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1982% | 3,055 |
| Cost of funding earning assets | 0.0435% | 4,630 |
| Net interest margin | 3.1548% | 2,346 |
| Noninterest income to average assets | 0.1330% | 4,342 |
| Noninterest expense to average assets | 1.4965% | 4,422 |
| Loan and lease loss provision to assets | 0.1308% | 740 |
| Net operating income to assets | 1.1154% | 1,721 |
| Return on assets (ROA) | 1.1127% | 1,705 |
| Pretax return on assets | 1.5279% | 1,106 |
| Return on Equity (ROE) | 16.5739% | 627 |
| Retained earnings to average equity (ytd only) | 16.5739% | 168 |
| Net charge-offs to loans | -0.0034% | 3,232 |
| Credit loss provision to net charge-offs | -6,783.7838% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3791% | 4,380 |
| Assets per employee ($millions) | 18.4262% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,552 |
| Loan loss allowance to noncurrent loans | 2,285.4305% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,656 |
| Noncurrent loans to loans | 0.0537% | 3,544 |
| Net loans and leases to total assets | 58.8185% | 2,454 |
| Net loans and leases to deposits | 64.1357% | 2,709 |
| Net loans and leases to core deposits | 64.8085% | 2,909 |
| Total domestic deposits to total assets | 91.7095% | 959 |
| Equity capital to assets | 6.3372% | 4,086 |
| Core capital (leverage) ratio | 8.0715% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6604% | 2,626 |
| Memoranda: | ||
| Average total assets | $3,838,842,667 | 322 |
| Average earning assets | $3,681,794,000 | 309 |
| Average equity | $257,718,667 | 437 |
| Average total loans | $2,170,379,333 | 343 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0618% | 3,076 |
| Cost of funding earning assets | 0.0385% | 4,666 |
| Net interest margin | 3.0233% | 2,431 |
| Noninterest income to average assets | 0.1407% | 4,309 |
| Noninterest expense to average assets | 1.5201% | 4,398 |
| Loan and lease loss provision to assets | 0.1536% | 511 |
| Net operating income to assets | 1.0233% | 1,789 |
| Return on assets (ROA) | 1.0257% | 1,766 |
| Pretax return on assets | 1.3839% | 1,287 |
| Return on Equity (ROE) | 14.8721% | 674 |
| Retained earnings to average equity (ytd only) | 14.8721% | 298 |
| Net charge-offs to loans | -0.0026% | 3,151 |
| Credit loss provision to net charge-offs | -10,614.2857% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7648% | 4,322 |
| Assets per employee ($millions) | 19.3277% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,771 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.3747% | 2,495 |
| Net loans and leases to deposits | 61.0283% | 2,806 |
| Net loans and leases to core deposits | 61.6564% | 3,006 |
| Total domestic deposits to total assets | 92.3747% | 441 |
| Equity capital to assets | 6.6692% | 4,358 |
| Core capital (leverage) ratio | 7.5346% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8194% | 2,671 |
| Memoranda: | ||
| Average total assets | $3,869,578,000 | 325 |
| Average earning assets | $3,729,430,000 | 313 |
| Average equity | $266,889,000 | 429 |
| Average total loans | $2,130,868,000 | 347 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0259% | 3,824 |
| Cost of funding earning assets | 0.0506% | 4,687 |
| Net interest margin | 2.9754% | 3,259 |
| Noninterest income to average assets | 0.1753% | 4,280 |
| Noninterest expense to average assets | 1.5720% | 4,459 |
| Loan and lease loss provision to assets | 0.0522% | 2,012 |
| Net operating income to assets | 1.0474% | 2,487 |
| Return on assets (ROA) | 1.0468% | 2,569 |
| Pretax return on assets | 1.4117% | 2,010 |
| Return on Equity (ROE) | 14.9409% | 963 |
| Retained earnings to average equity (ytd only) | 14.9409% | 228 |
| Net charge-offs to loans | -0.0086% | 3,689 |
| Credit loss provision to net charge-offs | -1,097.1910% | 3,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7651% | 4,137 |
| Assets per employee ($millions) | 19.2723% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,857 |
| Loan loss allowance to noncurrent loans | 7,414.7929% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,070 |
| Noncurrent loans to loans | 0.0163% | 3,967 |
| Net loans and leases to total assets | 52.4687% | 3,007 |
| Net loans and leases to deposits | 57.0493% | 3,333 |
| Net loans and leases to core deposits | 57.6023% | 3,508 |
| Total domestic deposits to total assets | 91.9707% | 187 |
| Equity capital to assets | 7.1200% | 4,694 |
| Core capital (leverage) ratio | 7.0886% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2067% | 2,561 |
| Memoranda: | ||
| Average total assets | $3,741,385,800 | 318 |
| Average earning assets | $3,598,197,600 | 304 |
| Average equity | $262,119,000 | 426 |
| Average total loans | $2,068,732,400 | 355 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0356% | 3,935 |
| Cost of funding earning assets | 0.0525% | 4,768 |
| Net interest margin | 2.9831% | 3,348 |
| Noninterest income to average assets | 0.1695% | 4,355 |
| Noninterest expense to average assets | 1.5776% | 4,487 |
| Loan and lease loss provision to assets | 0.0169% | 2,669 |
| Net operating income to assets | 1.0638% | 2,672 |
| Return on assets (ROA) | 1.0634% | 2,743 |
| Pretax return on assets | 1.4388% | 2,183 |
| Return on Equity (ROE) | 15.2445% | 1,102 |
| Retained earnings to average equity (ytd only) | 15.2445% | 366 |
| Net charge-offs to loans | -0.0097% | 3,662 |
| Credit loss provision to net charge-offs | -309.9338% | 3,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0003% | 4,026 |
| Assets per employee ($millions) | 19.3210% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 2,980 |
| Loan loss allowance to noncurrent loans | 6,747.8510% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,182 |
| Noncurrent loans to loans | 0.0178% | 4,069 |
| Net loans and leases to total assets | 49.5897% | 3,458 |
| Net loans and leases to deposits | 53.8978% | 3,748 |
| Net loans and leases to core deposits | 54.4013% | 3,887 |
| Total domestic deposits to total assets | 92.0069% | 125 |
| Equity capital to assets | 7.0083% | 4,808 |
| Core capital (leverage) ratio | 7.0380% | 4,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7527% | 2,451 |
| Memoranda: | ||
| Average total assets | $3,698,663,250 | 320 |
| Average earning assets | $3,551,376,750 | 309 |
| Average equity | $258,010,250 | 436 |
| Average total loans | $2,066,470,000 | 357 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0120% | 4,022 |
| Cost of funding earning assets | 0.0542% | 4,808 |
| Net interest margin | 2.9578% | 3,430 |
| Noninterest income to average assets | 0.1659% | 4,372 |
| Noninterest expense to average assets | 1.6745% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9909% | 2,921 |
| Return on assets (ROA) | 0.9902% | 3,010 |
| Pretax return on assets | 1.3331% | 2,544 |
| Return on Equity (ROE) | 14.2193% | 1,349 |
| Retained earnings to average equity (ytd only) | 14.2193% | 517 |
| Net charge-offs to loans | -0.0391% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6607% | 3,585 |
| Assets per employee ($millions) | 19.4392% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 3,259 |
| Loan loss allowance to noncurrent loans | 43,224.0741% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,331 |
| Noncurrent loans to loans | 0.0026% | 4,256 |
| Net loans and leases to total assets | 54.4070% | 3,095 |
| Net loans and leases to deposits | 59.1216% | 3,457 |
| Net loans and leases to core deposits | 59.6359% | 3,644 |
| Total domestic deposits to total assets | 92.0257% | 119 |
| Equity capital to assets | 7.0357% | 4,839 |
| Core capital (leverage) ratio | 6.9810% | 4,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2554% | 2,263 |
| Memoranda: | ||
| Average total assets | $3,630,600,333 | 323 |
| Average earning assets | $3,489,194,000 | 312 |
| Average equity | $252,839,000 | 440 |
| Average total loans | $2,102,306,333 | 353 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8949% | 4,260 |
| Cost of funding earning assets | 0.0544% | 4,851 |
| Net interest margin | 2.8405% | 3,670 |
| Noninterest income to average assets | 0.1724% | 4,332 |
| Noninterest expense to average assets | 1.5571% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9976% | 2,810 |
| Return on assets (ROA) | 0.9963% | 2,911 |
| Pretax return on assets | 1.3505% | 2,429 |
| Return on Equity (ROE) | 14.3829% | 1,354 |
| Retained earnings to average equity (ytd only) | 14.3829% | 713 |
| Net charge-offs to loans | -0.0030% | 3,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5220% | 3,844 |
| Assets per employee ($millions) | 19.2980% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,665 |
| Loan loss allowance to noncurrent loans | 1,056.4457% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,959 |
| Noncurrent loans to loans | 0.0991% | 3,810 |
| Net loans and leases to total assets | 58.5411% | 2,736 |
| Net loans and leases to deposits | 63.4072% | 3,176 |
| Net loans and leases to core deposits | 63.9585% | 3,417 |
| Total domestic deposits to total assets | 92.3257% | 93 |
| Equity capital to assets | 6.6955% | 4,893 |
| Core capital (leverage) ratio | 7.1251% | 4,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8479% | 1,944 |
| Memoranda: | ||
| Average total assets | $3,579,736,000 | 326 |
| Average earning assets | $3,449,056,500 | 311 |
| Average equity | $247,961,500 | 446 |
| Average total loans | $2,126,464,000 | 350 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2546% | 4,389 |
| Cost of funding earning assets | 0.1005% | 4,860 |
| Net interest margin | 3.1540% | 3,484 |
| Noninterest income to average assets | 0.1890% | 4,341 |
| Noninterest expense to average assets | 1.8052% | 4,466 |
| Loan and lease loss provision to assets | 0.0854% | 3,305 |
| Net operating income to assets | 0.9629% | 2,430 |
| Return on assets (ROA) | 0.9584% | 2,591 |
| Pretax return on assets | 1.3044% | 1,960 |
| Return on Equity (ROE) | 12.6969% | 1,119 |
| Retained earnings to average equity (ytd only) | 12.6969% | 260 |
| Net charge-offs to loans | 0.0243% | 2,554 |
| Credit loss provision to net charge-offs | 561.0503% | 1,164 |
| Earnings coverage of net charge-offs (x) | 91.6674% | 832 |
| Efficiency ratio | 56.4016% | 3,930 |
| Assets per employee ($millions) | 17.8055% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,403 |
| Loan loss allowance to noncurrent loans | 953.4719% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,996 |
| Noncurrent loans to loans | 0.1167% | 3,817 |
| Net loans and leases to total assets | 58.9990% | 2,979 |
| Net loans and leases to deposits | 64.2407% | 3,416 |
| Net loans and leases to core deposits | 64.8382% | 3,640 |
| Total domestic deposits to total assets | 91.8405% | 83 |
| Equity capital to assets | 7.1749% | 4,893 |
| Core capital (leverage) ratio | 6.9751% | 4,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6500% | 1,990 |
| Memoranda: | ||
| Average total assets | $3,002,090,000 | 337 |
| Average earning assets | $2,866,598,800 | 327 |
| Average equity | $226,615,200 | 459 |
| Average total loans | $1,880,306,200 | 369 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2704% | 4,515 |
| Cost of funding earning assets | 0.1166% | 4,890 |
| Net interest margin | 3.1537% | 3,610 |
| Noninterest income to average assets | 0.1759% | 4,411 |
| Noninterest expense to average assets | 1.8279% | 4,445 |
| Loan and lease loss provision to assets | 0.1183% | 2,842 |
| Net operating income to assets | 0.9037% | 2,690 |
| Return on assets (ROA) | 0.8975% | 2,833 |
| Pretax return on assets | 1.2268% | 2,296 |
| Return on Equity (ROE) | 11.7166% | 1,448 |
| Retained earnings to average equity (ytd only) | 11.7166% | 469 |
| Net charge-offs to loans | 0.0347% | 2,141 |
| Credit loss provision to net charge-offs | 537.5262% | 1,233 |
| Earnings coverage of net charge-offs (x) | 61.4549% | 1,083 |
| Efficiency ratio | 57.4679% | 3,742 |
| Assets per employee ($millions) | 17.2092% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,445 |
| Loan loss allowance to noncurrent loans | 893.8744% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,046 |
| Noncurrent loans to loans | 0.1178% | 3,905 |
| Net loans and leases to total assets | 64.8250% | 2,656 |
| Net loans and leases to deposits | 70.6261% | 3,253 |
| Net loans and leases to core deposits | 71.3177% | 3,533 |
| Total domestic deposits to total assets | 91.7862% | 70 |
| Equity capital to assets | 7.1051% | 4,935 |
| Core capital (leverage) ratio | 6.9722% | 4,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5422% | 1,984 |
| Memoranda: | ||
| Average total assets | $2,889,047,000 | 343 |
| Average earning assets | $2,752,700,500 | 327 |
| Average equity | $221,309,250 | 460 |
| Average total loans | $1,835,155,250 | 371 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 4,608 |
| Cost of funding earning assets | 0.1412% | 4,901 |
| Net interest margin | 3.1945% | 3,683 |
| Noninterest income to average assets | 0.1708% | 4,438 |
| Noninterest expense to average assets | 1.8924% | 4,427 |
| Loan and lease loss provision to assets | 0.1540% | 2,459 |
| Net operating income to assets | 0.8512% | 2,865 |
| Return on assets (ROA) | 0.8433% | 3,002 |
| Pretax return on assets | 1.1573% | 2,512 |
| Return on Equity (ROE) | 10.6961% | 1,743 |
| Retained earnings to average equity (ytd only) | 10.6961% | 655 |
| Net charge-offs to loans | 0.0625% | 1,619 |
| Credit loss provision to net charge-offs | 392.9368% | 1,421 |
| Earnings coverage of net charge-offs (x) | 33.7082% | 1,358 |
| Efficiency ratio | 58.8850% | 3,573 |
| Assets per employee ($millions) | 16.8988% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 3,318 |
| Loan loss allowance to noncurrent loans | 861.1688% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 4,131 |
| Noncurrent loans to loans | 0.1220% | 3,964 |
| Net loans and leases to total assets | 63.9967% | 2,881 |
| Net loans and leases to deposits | 69.7213% | 3,438 |
| Net loans and leases to core deposits | 70.3811% | 3,670 |
| Total domestic deposits to total assets | 91.7893% | 65 |
| Equity capital to assets | 6.8995% | 4,985 |
| Core capital (leverage) ratio | 7.1009% | 4,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6363% | 1,945 |
| Memoranda: | ||
| Average total assets | $2,744,936,000 | 354 |
| Average earning assets | $2,614,757,333 | 334 |
| Average equity | $216,416,000 | 465 |
| Average total loans | $1,721,542,000 | 385 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 4,500 |
| Cost of funding earning assets | 0.2119% | 4,868 |
| Net interest margin | 3.4069% | 3,278 |
| Noninterest income to average assets | 0.0591% | 4,951 |
| Noninterest expense to average assets | 1.9511% | 4,488 |
| Loan and lease loss provision to assets | 0.2322% | 1,334 |
| Net operating income to assets | 0.7777% | 2,983 |
| Return on assets (ROA) | 0.7837% | 3,046 |
| Pretax return on assets | 1.1254% | 2,439 |
| Return on Equity (ROE) | 9.1759% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.1759% | 921 |
| Net charge-offs to loans | 0.0976% | 1,098 |
| Credit loss provision to net charge-offs | 387.5676% | 1,028 |
| Earnings coverage of net charge-offs (x) | 22.5297% | 1,354 |
| Efficiency ratio | 59.1032% | 3,853 |
| Assets per employee ($millions) | 13.0135% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4158% | 1,643 |
| Loan loss allowance to noncurrent loans | 518.0592% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,829 |
| Noncurrent loans to loans | 0.2733% | 3,517 |
| Net loans and leases to total assets | 60.0599% | 3,485 |
| Net loans and leases to deposits | 66.5871% | 3,824 |
| Net loans and leases to core deposits | 67.4108% | 4,011 |
| Total domestic deposits to total assets | 90.1976% | 269 |
| Equity capital to assets | 8.4813% | 4,844 |
| Core capital (leverage) ratio | 8.9103% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7092% | 2,387 |
| Memoranda: | ||
| Average total assets | $2,469,772,500 | 374 |
| Average earning assets | $2,350,256,500 | 360 |
| Average equity | $210,945,000 | 471 |
| Average total loans | $1,516,684,000 | 420 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 4,403 |
| Cost of funding earning assets | 0.2257% | 4,906 |
| Net interest margin | 3.6901% | 2,839 |
| Noninterest income to average assets | 0.2648% | 4,094 |
| Noninterest expense to average assets | 2.2477% | 4,067 |
| Loan and lease loss provision to assets | 0.1450% | 1,477 |
| Net operating income to assets | 0.9859% | 2,892 |
| Return on assets (ROA) | 0.9766% | 3,004 |
| Pretax return on assets | 1.3237% | 2,425 |
| Return on Equity (ROE) | 11.7589% | 1,601 |
| Retained earnings to average equity (ytd only) | 11.7589% | 258 |
| Net charge-offs to loans | -0.0030% | 4,268 |
| Credit loss provision to net charge-offs | -7,997.5610% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2881% | 3,648 |
| Assets per employee ($millions) | 12.3175% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,518 |
| Loan loss allowance to noncurrent loans | 1,122.5876% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,252 |
| Noncurrent loans to loans | 0.1247% | 4,029 |
| Net loans and leases to total assets | 61.0578% | 3,496 |
| Net loans and leases to deposits | 67.7436% | 3,838 |
| Net loans and leases to core deposits | 68.7153% | 4,044 |
| Total domestic deposits to total assets | 90.1307% | 284 |
| Equity capital to assets | 8.6042% | 4,868 |
| Core capital (leverage) ratio | 8.6619% | 4,750 |
| Tier 1 risk-based capital ratio | 12.5665% | 4,026 |
| Total risk-based capital ratio | 13.8171% | 3,911 |
| Memoranda: | ||
| Average total assets | $2,260,608,400 | 383 |
| Average earning assets | $2,121,779,000 | 368 |
| Average equity | $187,747,600 | 497 |
| Average total loans | $1,349,953,800 | 445 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 4,466 |
| Cost of funding earning assets | 0.2226% | 4,988 |
| Net interest margin | 3.7226% | 2,844 |
| Noninterest income to average assets | 0.2645% | 4,161 |
| Noninterest expense to average assets | 2.2785% | 4,009 |
| Loan and lease loss provision to assets | 0.1485% | 1,283 |
| Net operating income to assets | 0.9766% | 3,065 |
| Return on assets (ROA) | 0.9639% | 3,186 |
| Pretax return on assets | 1.3035% | 2,659 |
| Return on Equity (ROE) | 11.7202% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.7202% | 415 |
| Net charge-offs to loans | -0.0033% | 4,126 |
| Credit loss provision to net charge-offs | -7,509.0909% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8166% | 3,500 |
| Assets per employee ($millions) | 11.9571% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,576 |
| Loan loss allowance to noncurrent loans | 1,351.3842% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 4,396 |
| Noncurrent loans to loans | 0.1036% | 4,177 |
| Net loans and leases to total assets | 60.4552% | 3,637 |
| Net loans and leases to deposits | 67.1457% | 3,981 |
| Net loans and leases to core deposits | 68.2965% | 4,153 |
| Total domestic deposits to total assets | 90.0360% | 278 |
| Equity capital to assets | 8.6234% | 4,957 |
| Core capital (leverage) ratio | 8.9125% | 4,701 |
| Tier 1 risk-based capital ratio | 12.5602% | 4,107 |
| Total risk-based capital ratio | 13.8106% | 3,985 |
| Memoranda: | ||
| Average total assets | $2,225,282,750 | 387 |
| Average earning assets | $2,081,484,750 | 377 |
| Average equity | $183,018,000 | 511 |
| Average total loans | $1,315,597,500 | 458 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 4,549 |
| Cost of funding earning assets | 0.2149% | 5,043 |
| Net interest margin | 3.6875% | 2,970 |
| Noninterest income to average assets | 0.2701% | 4,129 |
| Noninterest expense to average assets | 2.3123% | 3,975 |
| Loan and lease loss provision to assets | 0.0930% | 1,989 |
| Net operating income to assets | 0.9850% | 2,976 |
| Return on assets (ROA) | 0.9745% | 3,077 |
| Pretax return on assets | 1.3130% | 2,514 |
| Return on Equity (ROE) | 12.0564% | 1,557 |
| Retained earnings to average equity (ytd only) | 12.0564% | 399 |
| Net charge-offs to loans | -0.0042% | 4,083 |
| Credit loss provision to net charge-offs | -3,770.3704% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9673% | 3,438 |
| Assets per employee ($millions) | 11.6308% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,613 |
| Loan loss allowance to noncurrent loans | 1,771.5377% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,533 |
| Noncurrent loans to loans | 0.0790% | 4,328 |
| Net loans and leases to total assets | 58.8028% | 3,842 |
| Net loans and leases to deposits | 65.3073% | 4,141 |
| Net loans and leases to core deposits | 67.0660% | 4,260 |
| Total domestic deposits to total assets | 90.0402% | 319 |
| Equity capital to assets | 8.6458% | 4,982 |
| Core capital (leverage) ratio | 8.9419% | 4,679 |
| Tier 1 risk-based capital ratio | 13.1217% | 3,772 |
| Total risk-based capital ratio | 14.3720% | 3,681 |
| Memoranda: | ||
| Average total assets | $2,189,829,000 | 396 |
| Average earning assets | $2,055,586,330 | 386 |
| Average equity | $177,001,330 | 522 |
| Average total loans | $1,277,591,670 | 471 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 4,602 |
| Cost of funding earning assets | 0.1982% | 5,120 |
| Net interest margin | 3.6742% | 2,989 |
| Noninterest income to average assets | 0.2710% | 4,065 |
| Noninterest expense to average assets | 2.3956% | 3,779 |
| Loan and lease loss provision to assets | 0.0166% | 3,219 |
| Net operating income to assets | 0.9937% | 2,869 |
| Return on assets (ROA) | 0.9937% | 2,906 |
| Pretax return on assets | 1.3249% | 2,359 |
| Return on Equity (ROE) | 12.7480% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.7480% | 502 |
| Net charge-offs to loans | -0.0048% | 4,013 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1032% | 3,223 |
| Assets per employee ($millions) | 11.5903% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,676 |
| Loan loss allowance to noncurrent loans | 1,440.9165% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 4,540 |
| Noncurrent loans to loans | 0.0972% | 4,312 |
| Net loans and leases to total assets | 56.6094% | 4,012 |
| Net loans and leases to deposits | 62.6292% | 4,265 |
| Net loans and leases to core deposits | 65.0846% | 4,326 |
| Total domestic deposits to total assets | 90.3882% | 318 |
| Equity capital to assets | 7.9374% | 5,198 |
| Core capital (leverage) ratio | 8.4629% | 5,028 |
| Tier 1 risk-based capital ratio | 12.8971% | 3,928 |
| Total risk-based capital ratio | 14.1473% | 3,826 |
| Memoranda: | ||
| Average total assets | $2,174,002,500 | 401 |
| Average earning assets | $2,050,848,000 | 386 |
| Average equity | $169,470,000 | 542 |
| Average total loans | $1,253,966,500 | 482 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 4,687 |
| Cost of funding earning assets | 0.1646% | 5,133 |
| Net interest margin | 3.5221% | 3,627 |
| Noninterest income to average assets | 0.2246% | 4,580 |
| Noninterest expense to average assets | 2.2569% | 4,213 |
| Loan and lease loss provision to assets | 0.1890% | 1,016 |
| Net operating income to assets | 0.8376% | 3,659 |
| Return on assets (ROA) | 0.8130% | 3,756 |
| Pretax return on assets | 1.0732% | 3,364 |
| Return on Equity (ROE) | 10.5001% | 2,283 |
| Retained earnings to average equity (ytd only) | 10.5001% | 524 |
| Net charge-offs to loans | -0.0049% | 4,350 |
| Credit loss provision to net charge-offs | -7,190.5660% | 4,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5705% | 3,252 |
| Assets per employee ($millions) | 11.2955% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,640 |
| Loan loss allowance to noncurrent loans | 1,432.3241% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,560 |
| Noncurrent loans to loans | 0.0977% | 4,300 |
| Net loans and leases to total assets | 57.1398% | 4,038 |
| Net loans and leases to deposits | 62.4574% | 4,350 |
| Net loans and leases to core deposits | 63.8527% | 4,451 |
| Total domestic deposits to total assets | 91.4860% | 121 |
| Equity capital to assets | 7.6510% | 5,253 |
| Core capital (leverage) ratio | 8.3346% | 5,098 |
| Tier 1 risk-based capital ratio | 12.8390% | 3,946 |
| Total risk-based capital ratio | 14.0894% | 3,832 |
| Memoranda: | ||
| Average total assets | $2,016,296,000 | 413 |
| Average earning assets | $1,903,791,200 | 406 |
| Average equity | $156,121,800 | 548 |
| Average total loans | $1,080,434,000 | 525 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 4,797 |
| Cost of funding earning assets | 0.1573% | 5,198 |
| Net interest margin | 3.4466% | 3,869 |
| Noninterest income to average assets | 0.2799% | 4,275 |
| Noninterest expense to average assets | 2.4423% | 3,757 |
| Loan and lease loss provision to assets | 0.1526% | 1,292 |
| Net operating income to assets | 0.7226% | 4,157 |
| Return on assets (ROA) | 0.6932% | 4,253 |
| Pretax return on assets | 0.8939% | 4,039 |
| Return on Equity (ROE) | 8.9233% | 3,123 |
| Retained earnings to average equity (ytd only) | 8.9233% | 1,249 |
| Net charge-offs to loans | -0.0055% | 4,241 |
| Credit loss provision to net charge-offs | -5,274.4186% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2638% | 2,313 |
| Assets per employee ($millions) | 11.1505% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,694 |
| Loan loss allowance to noncurrent loans | 1,170.2128% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,657 |
| Noncurrent loans to loans | 0.1197% | 4,356 |
| Net loans and leases to total assets | 53.5462% | 4,391 |
| Net loans and leases to deposits | 58.6061% | 4,613 |
| Net loans and leases to core deposits | 60.6823% | 4,675 |
| Total domestic deposits to total assets | 91.3662% | 155 |
| Equity capital to assets | 7.3914% | 5,327 |
| Core capital (leverage) ratio | 8.4837% | 5,103 |
| Tier 1 risk-based capital ratio | 13.4545% | 3,653 |
| Total risk-based capital ratio | 14.7048% | 3,565 |
| Memoranda: | ||
| Average total assets | $1,981,009,250 | 414 |
| Average earning assets | $1,865,875,500 | 409 |
| Average equity | $153,885,500 | 550 |
| Average total loans | $1,037,977,250 | 540 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 4,882 |
| Cost of funding earning assets | 0.1524% | 5,237 |
| Net interest margin | 3.3748% | 4,037 |
| Noninterest income to average assets | 0.2863% | 4,265 |
| Noninterest expense to average assets | 2.4389% | 3,800 |
| Loan and lease loss provision to assets | 0.1815% | 988 |
| Net operating income to assets | 0.6620% | 4,313 |
| Return on assets (ROA) | 0.6339% | 4,405 |
| Pretax return on assets | 0.8053% | 4,230 |
| Return on Equity (ROE) | 8.0205% | 3,500 |
| Retained earnings to average equity (ytd only) | 8.0205% | 1,625 |
| Net charge-offs to loans | -0.0058% | 4,140 |
| Credit loss provision to net charge-offs | -6,079.3103% | 4,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4631% | 2,244 |
| Assets per employee ($millions) | 10.9851% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,714 |
| Loan loss allowance to noncurrent loans | 729.5981% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 4,473 |
| Noncurrent loans to loans | 0.1934% | 4,034 |
| Net loans and leases to total assets | 53.3384% | 4,391 |
| Net loans and leases to deposits | 59.6327% | 4,551 |
| Net loans and leases to core deposits | 61.6469% | 4,619 |
| Total domestic deposits to total assets | 89.4450% | 761 |
| Equity capital to assets | 7.6515% | 5,333 |
| Core capital (leverage) ratio | 8.6570% | 4,990 |
| Tier 1 risk-based capital ratio | 13.6666% | 3,525 |
| Total risk-based capital ratio | 14.9170% | 3,441 |
| Memoranda: | ||
| Average total assets | $1,942,579,670 | 422 |
| Average earning assets | $1,827,552,330 | 414 |
| Average equity | $153,532,330 | 548 |
| Average total loans | $1,004,490,670 | 556 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 4,909 |
| Cost of funding earning assets | 0.1434% | 5,298 |
| Net interest margin | 3.3389% | 4,081 |
| Noninterest income to average assets | 0.2375% | 4,585 |
| Noninterest expense to average assets | 2.5460% | 3,511 |
| Loan and lease loss provision to assets | 0.1749% | 999 |
| Net operating income to assets | 0.5431% | 4,598 |
| Return on assets (ROA) | 0.5099% | 4,672 |
| Pretax return on assets | 0.6274% | 4,621 |
| Return on Equity (ROE) | 6.3437% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.3437% | 2,567 |
| Net charge-offs to loans | -0.0067% | 4,105 |
| Credit loss provision to net charge-offs | -5,200.0000% | 4,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1209% | 1,728 |
| Assets per employee ($millions) | 10.9206% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,661 |
| Loan loss allowance to noncurrent loans | 1,583.2787% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,872 |
| Noncurrent loans to loans | 0.0915% | 4,566 |
| Net loans and leases to total assets | 50.9616% | 4,501 |
| Net loans and leases to deposits | 57.0233% | 4,642 |
| Net loans and leases to core deposits | 58.6956% | 4,715 |
| Total domestic deposits to total assets | 89.3699% | 935 |
| Equity capital to assets | 7.9225% | 5,292 |
| Core capital (leverage) ratio | 8.5525% | 5,101 |
| Tier 1 risk-based capital ratio | 14.8394% | 2,959 |
| Total risk-based capital ratio | 16.0907% | 2,890 |
| Memoranda: | ||
| Average total assets | $1,903,243,500 | 434 |
| Average earning assets | $1,796,518,500 | 423 |
| Average equity | $152,970,000 | 553 |
| Average total loans | $959,968,500 | 578 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2822% | 5,102 |
| Cost of funding earning assets | 0.0998% | 5,499 |
| Net interest margin | 3.1824% | 4,492 |
| Noninterest income to average assets | 0.2262% | 4,784 |
| Noninterest expense to average assets | 2.1728% | 4,587 |
| Loan and lease loss provision to assets | 0.0345% | 3,576 |
| Net operating income to assets | 0.4700% | 4,456 |
| Return on assets (ROA) | 0.4571% | 4,536 |
| Pretax return on assets | 0.9999% | 3,570 |
| Return on Equity (ROE) | 5.6468% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.6468% | 1,740 |
| Net charge-offs to loans | -0.0053% | 4,655 |
| Credit loss provision to net charge-offs | -1,365.2174% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3257% | 3,034 |
| Assets per employee ($millions) | 11.0861% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,473 |
| Loan loss allowance to noncurrent loans | 1,490.6011% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 4,892 |
| Noncurrent loans to loans | 0.0994% | 4,542 |
| Net loans and leases to total assets | 48.3977% | 4,741 |
| Net loans and leases to deposits | 55.2987% | 4,836 |
| Net loans and leases to core deposits | 56.4616% | 4,917 |
| Total domestic deposits to total assets | 87.5204% | 1,749 |
| Equity capital to assets | 8.1558% | 5,326 |
| Core capital (leverage) ratio | 8.5485% | 5,096 |
| Tier 1 risk-based capital ratio | 15.2607% | 2,724 |
| Total risk-based capital ratio | 16.5120% | 2,654 |
| Memoranda: | ||
| Average total assets | $1,819,574,800 | 437 |
| Average earning assets | $1,715,902,800 | 429 |
| Average equity | $147,303,800 | 550 |
| Average total loans | $863,837,600 | 609 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 5,102 |
| Cost of funding earning assets | 0.1014% | 5,554 |
| Net interest margin | 3.2116% | 4,424 |
| Noninterest income to average assets | 0.2234% | 4,880 |
| Noninterest expense to average assets | 2.1099% | 4,715 |
| Loan and lease loss provision to assets | 0.0464% | 3,176 |
| Net operating income to assets | 0.8048% | 3,505 |
| Return on assets (ROA) | 0.8012% | 3,563 |
| Pretax return on assets | 1.0869% | 3,351 |
| Return on Equity (ROE) | 9.9160% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.9160% | 607 |
| Net charge-offs to loans | -0.0071% | 4,538 |
| Credit loss provision to net charge-offs | -1,395.5556% | 5,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9605% | 3,381 |
| Assets per employee ($millions) | 12.2961% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,357 |
| Loan loss allowance to noncurrent loans | 3,164.2691% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 5,128 |
| Noncurrent loans to loans | 0.0491% | 4,891 |
| Net loans and leases to total assets | 49.1729% | 4,756 |
| Net loans and leases to deposits | 54.6272% | 4,935 |
| Net loans and leases to core deposits | 55.9380% | 5,000 |
| Total domestic deposits to total assets | 90.0153% | 468 |
| Equity capital to assets | 8.8198% | 5,065 |
| Core capital (leverage) ratio | 8.3295% | 5,350 |
| Tier 1 risk-based capital ratio | 15.5816% | 2,678 |
| Total risk-based capital ratio | 16.8372% | 2,615 |
| Memoranda: | ||
| Average total assets | $1,806,081,250 | 444 |
| Average earning assets | $1,700,876,250 | 434 |
| Average equity | $145,929,000 | 557 |
| Average total loans | $849,698,750 | 617 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2533% | 5,176 |
| Cost of funding earning assets | 0.1066% | 5,575 |
| Net interest margin | 3.1467% | 4,554 |
| Noninterest income to average assets | 0.2204% | 4,931 |
| Noninterest expense to average assets | 2.1136% | 4,747 |
| Loan and lease loss provision to assets | 0.0360% | 3,285 |
| Net operating income to assets | 0.7800% | 3,486 |
| Return on assets (ROA) | 0.7761% | 3,564 |
| Pretax return on assets | 1.0267% | 3,456 |
| Return on Equity (ROE) | 9.8966% | 2,080 |
| Retained earnings to average equity (ytd only) | 9.8966% | 607 |
| Net charge-offs to loans | -0.0074% | 4,439 |
| Credit loss provision to net charge-offs | -1,058.0645% | 4,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4355% | 3,277 |
| Assets per employee ($millions) | 12.5683% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,553 |
| Loan loss allowance to noncurrent loans | 1,428.0815% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,013 |
| Noncurrent loans to loans | 0.1055% | 4,707 |
| Net loans and leases to total assets | 48.8219% | 4,777 |
| Net loans and leases to deposits | 54.5662% | 4,929 |
| Net loans and leases to core deposits | 55.7812% | 5,002 |
| Total domestic deposits to total assets | 89.4728% | 736 |
| Equity capital to assets | 8.5305% | 5,281 |
| Core capital (leverage) ratio | 8.0192% | 5,516 |
| Tier 1 risk-based capital ratio | 14.7963% | 3,015 |
| Total risk-based capital ratio | 16.0512% | 2,941 |
| Memoranda: | ||
| Average total assets | $1,821,996,330 | 446 |
| Average earning assets | $1,714,484,000 | 435 |
| Average equity | $142,878,000 | 570 |
| Average total loans | $840,177,670 | 626 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2477% | 5,178 |
| Cost of funding earning assets | 0.1189% | 5,569 |
| Net interest margin | 3.1289% | 4,573 |
| Noninterest income to average assets | 0.2184% | 4,964 |
| Noninterest expense to average assets | 2.1403% | 4,771 |
| Loan and lease loss provision to assets | 0.0387% | 3,027 |
| Net operating income to assets | 0.7662% | 3,396 |
| Return on assets (ROA) | 0.7730% | 3,406 |
| Pretax return on assets | 0.9940% | 3,394 |
| Return on Equity (ROE) | 10.2956% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.2956% | 749 |
| Net charge-offs to loans | -0.0108% | 4,461 |
| Credit loss provision to net charge-offs | -809.0909% | 4,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6396% | 3,261 |
| Assets per employee ($millions) | 12.7813% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 1,434 |
| Loan loss allowance to noncurrent loans | 612.0874% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,796 |
| Noncurrent loans to loans | 0.2577% | 4,192 |
| Net loans and leases to total assets | 44.9397% | 4,990 |
| Net loans and leases to deposits | 52.9597% | 4,987 |
| Net loans and leases to core deposits | 54.0364% | 5,062 |
| Total domestic deposits to total assets | 84.8563% | 3,141 |
| Equity capital to assets | 7.7009% | 5,630 |
| Core capital (leverage) ratio | 7.5147% | 5,703 |
| Tier 1 risk-based capital ratio | 14.9571% | 2,985 |
| Total risk-based capital ratio | 16.2126% | 2,912 |
| Memoranda: | ||
| Average total assets | $1,840,642,000 | 447 |
| Average earning assets | $1,733,027,500 | 435 |
| Average equity | $138,194,500 | 584 |
| Average total loans | $817,941,000 | 649 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0709% | 5,435 |
| Cost of funding earning assets | 0.0898% | 5,744 |
| Net interest margin | 2.9811% | 5,000 |
| Noninterest income to average assets | 0.2104% | 5,156 |
| Noninterest expense to average assets | 2.1741% | 4,837 |
| Loan and lease loss provision to assets | 0.0057% | 4,242 |
| Net operating income to assets | 0.6271% | 4,098 |
| Return on assets (ROA) | 0.7264% | 3,769 |
| Pretax return on assets | 0.9904% | 3,511 |
| Return on Equity (ROE) | 9.1855% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.1855% | 545 |
| Net charge-offs to loans | -0.0145% | 5,040 |
| Credit loss provision to net charge-offs | -93.4579% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6529% | 2,639 |
| Assets per employee ($millions) | 13.4327% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6179% | 1,330 |
| Loan loss allowance to noncurrent loans | 616.2072% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 4,857 |
| Noncurrent loans to loans | 0.2626% | 4,209 |
| Net loans and leases to total assets | 42.5296% | 5,209 |
| Net loans and leases to deposits | 49.2911% | 5,239 |
| Net loans and leases to core deposits | 50.3600% | 5,292 |
| Total domestic deposits to total assets | 86.2825% | 2,466 |
| Equity capital to assets | 7.3304% | 5,751 |
| Core capital (leverage) ratio | 7.5513% | 5,740 |
| Tier 1 risk-based capital ratio | 15.1167% | 2,916 |
| Total risk-based capital ratio | 16.3753% | 2,843 |
| Memoranda: | ||
| Average total assets | $1,750,697,200 | 449 |
| Average earning assets | $1,658,371,200 | 430 |
| Average equity | $138,447,200 | 571 |
| Average total loans | $738,636,800 | 676 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0120% | 5,560 |
| Cost of funding earning assets | 0.0914% | 5,805 |
| Net interest margin | 2.9206% | 5,153 |
| Noninterest income to average assets | 0.2098% | 5,210 |
| Noninterest expense to average assets | 2.0610% | 5,084 |
| Loan and lease loss provision to assets | 0.0058% | 4,113 |
| Net operating income to assets | 0.6539% | 4,064 |
| Return on assets (ROA) | 0.7592% | 3,697 |
| Pretax return on assets | 1.0555% | 3,407 |
| Return on Equity (ROE) | 9.4154% | 2,300 |
| Retained earnings to average equity (ytd only) | 9.4154% | 711 |
| Net charge-offs to loans | -0.0177% | 4,968 |
| Credit loss provision to net charge-offs | -78.1250% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2535% | 3,010 |
| Assets per employee ($millions) | 13.4581% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 1,176 |
| Loan loss allowance to noncurrent loans | 673.3333% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 5,006 |
| Noncurrent loans to loans | 0.2551% | 4,352 |
| Net loans and leases to total assets | 40.7085% | 5,346 |
| Net loans and leases to deposits | 46.0288% | 5,454 |
| Net loans and leases to core deposits | 47.1325% | 5,475 |
| Total domestic deposits to total assets | 88.4413% | 1,172 |
| Equity capital to assets | 7.9189% | 5,765 |
| Core capital (leverage) ratio | 7.5917% | 5,815 |
| Tier 1 risk-based capital ratio | 15.6238% | 2,779 |
| Total risk-based capital ratio | 16.8838% | 2,705 |
| Memoranda: | ||
| Average total assets | $1,724,943,750 | 457 |
| Average earning assets | $1,633,773,000 | 437 |
| Average equity | $139,088,000 | 571 |
| Average total loans | $722,961,000 | 688 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0728% | 5,570 |
| Cost of funding earning assets | 0.0929% | 5,878 |
| Net interest margin | 2.9799% | 5,119 |
| Noninterest income to average assets | 0.2520% | 4,969 |
| Noninterest expense to average assets | 2.2143% | 4,811 |
| Loan and lease loss provision to assets | 0.0059% | 3,943 |
| Net operating income to assets | 0.6190% | 4,193 |
| Return on assets (ROA) | 0.7798% | 3,548 |
| Pretax return on assets | 1.0789% | 3,284 |
| Return on Equity (ROE) | 9.6092% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.6092% | 683 |
| Net charge-offs to loans | -0.0255% | 5,052 |
| Credit loss provision to net charge-offs | -54.9451% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9922% | 2,656 |
| Assets per employee ($millions) | 12.6101% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7394% | 1,193 |
| Loan loss allowance to noncurrent loans | 1,925.2239% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 5,416 |
| Noncurrent loans to loans | 0.0903% | 5,091 |
| Net loans and leases to total assets | 43.7774% | 5,246 |
| Net loans and leases to deposits | 48.4568% | 5,408 |
| Net loans and leases to core deposits | 49.6741% | 5,446 |
| Total domestic deposits to total assets | 90.3431% | 371 |
| Equity capital to assets | 8.6514% | 5,512 |
| Core capital (leverage) ratio | 7.7947% | 5,820 |
| Tier 1 risk-based capital ratio | 16.2510% | 2,526 |
| Total risk-based capital ratio | 17.5123% | 2,469 |
| Memoranda: | ||
| Average total assets | $1,694,312,670 | 457 |
| Average earning assets | $1,605,576,670 | 442 |
| Average equity | $137,493,000 | 578 |
| Average total loans | $713,103,000 | 696 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0797% | 5,624 |
| Cost of funding earning assets | 0.0913% | 5,947 |
| Net interest margin | 2.9885% | 5,146 |
| Noninterest income to average assets | 0.3162% | 4,468 |
| Noninterest expense to average assets | 2.1163% | 5,088 |
| Loan and lease loss provision to assets | 0.0059% | 3,599 |
| Net operating income to assets | 0.7590% | 3,444 |
| Return on assets (ROA) | 0.7791% | 3,459 |
| Pretax return on assets | 1.0569% | 3,248 |
| Return on Equity (ROE) | 9.9198% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.9198% | 863 |
| Net charge-offs to loans | -0.0103% | 4,543 |
| Credit loss provision to net charge-offs | -138.8889% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1443% | 3,604 |
| Assets per employee ($millions) | 13.6300% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 1,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 38.9357% | 5,512 |
| Net loans and leases to deposits | 43.8006% | 5,597 |
| Net loans and leases to core deposits | 45.1485% | 5,622 |
| Total domestic deposits to total assets | 88.8931% | 1,160 |
| Equity capital to assets | 7.8587% | 5,871 |
| Core capital (leverage) ratio | 7.5165% | 5,923 |
| Tier 1 risk-based capital ratio | 16.5747% | 2,445 |
| Total risk-based capital ratio | 17.8367% | 2,394 |
| Memoranda: | ||
| Average total assets | $1,709,203,000 | 459 |
| Average earning assets | $1,621,841,500 | 434 |
| Average equity | $134,236,500 | 586 |
| Average total loans | $698,860,500 | 716 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0478% | 5,692 |
| Cost of funding earning assets | 0.0914% | 5,997 |
| Net interest margin | 2.9564% | 5,230 |
| Noninterest income to average assets | 0.1423% | 5,701 |
| Noninterest expense to average assets | 1.9803% | 5,498 |
| Loan and lease loss provision to assets | 0.0022% | 4,343 |
| Net operating income to assets | 0.7031% | 3,795 |
| Return on assets (ROA) | 0.7704% | 3,547 |
| Pretax return on assets | 1.0288% | 3,354 |
| Return on Equity (ROE) | 9.6459% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.6459% | 511 |
| Net charge-offs to loans | -0.0266% | 5,356 |
| Credit loss provision to net charge-offs | -19.5531% | 4,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7835% | 3,603 |
| Assets per employee ($millions) | 13.6079% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 1,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 41.3961% | 5,445 |
| Net loans and leases to deposits | 45.4590% | 5,593 |
| Net loans and leases to core deposits | 46.9149% | 5,608 |
| Total domestic deposits to total assets | 91.0624% | 263 |
| Equity capital to assets | 7.8486% | 5,903 |
| Core capital (leverage) ratio | 7.2185% | 6,022 |
| Tier 1 risk-based capital ratio | 15.8498% | 2,761 |
| Total risk-based capital ratio | 17.1146% | 2,692 |
| Memoranda: | ||
| Average total assets | $1,571,164,400 | 453 |
| Average earning assets | $1,476,996,800 | 439 |
| Average equity | $125,493,400 | 606 |
| Average total loans | $673,689,400 | 698 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0713% | 5,741 |
| Cost of funding earning assets | 0.0920% | 6,080 |
| Net interest margin | 2.9793% | 5,248 |
| Noninterest income to average assets | 0.1775% | 5,589 |
| Noninterest expense to average assets | 1.9906% | 5,494 |
| Loan and lease loss provision to assets | 0.0043% | 4,172 |
| Net operating income to assets | 0.7346% | 3,746 |
| Return on assets (ROA) | 0.7869% | 3,580 |
| Pretax return on assets | 1.0447% | 3,433 |
| Return on Equity (ROE) | 9.8053% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.8053% | 667 |
| Net charge-offs to loans | -0.0302% | 5,359 |
| Credit loss provision to net charge-offs | -33.1126% | 4,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0230% | 3,709 |
| Assets per employee ($millions) | 13.3240% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 1,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 40.8668% | 5,553 |
| Net loans and leases to deposits | 44.9725% | 5,690 |
| Net loans and leases to core deposits | 46.4954% | 5,718 |
| Total domestic deposits to total assets | 90.8707% | 285 |
| Equity capital to assets | 7.9628% | 5,969 |
| Core capital (leverage) ratio | 7.5541% | 6,044 |
| Tier 1 risk-based capital ratio | 15.8444% | 2,870 |
| Total risk-based capital ratio | 17.1098% | 2,804 |
| Memoranda: | ||
| Average total assets | $1,545,513,000 | 464 |
| Average earning assets | $1,448,565,500 | 451 |
| Average equity | $124,024,750 | 617 |
| Average total loans | $665,703,500 | 711 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0512% | 5,798 |
| Cost of funding earning assets | 0.0942% | 6,152 |
| Net interest margin | 2.9569% | 5,324 |
| Noninterest income to average assets | 0.1807% | 5,607 |
| Noninterest expense to average assets | 1.9646% | 5,602 |
| Loan and lease loss provision to assets | 0.0033% | 4,020 |
| Net operating income to assets | 0.7313% | 3,728 |
| Return on assets (ROA) | 0.8004% | 3,476 |
| Pretax return on assets | 1.0731% | 3,282 |
| Return on Equity (ROE) | 9.9466% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.9466% | 678 |
| Net charge-offs to loans | -0.0383% | 5,431 |
| Credit loss provision to net charge-offs | -19.6850% | 4,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6207% | 3,896 |
| Assets per employee ($millions) | 12.7354% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 1,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 43.0131% | 5,434 |
| Net loans and leases to deposits | 47.3795% | 5,617 |
| Net loans and leases to core deposits | 49.2257% | 5,641 |
| Total domestic deposits to total assets | 90.7842% | 362 |
| Equity capital to assets | 8.0868% | 5,939 |
| Core capital (leverage) ratio | 7.6937% | 6,039 |
| Tier 1 risk-based capital ratio | 15.4361% | 3,137 |
| Total risk-based capital ratio | 16.7016% | 3,068 |
| Memoranda: | ||
| Average total assets | $1,523,283,330 | 471 |
| Average earning assets | $1,426,076,670 | 457 |
| Average equity | $122,574,000 | 624 |
| Average total loans | $663,738,330 | 708 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0443% | 5,848 |
| Cost of funding earning assets | 0.0966% | 6,218 |
| Net interest margin | 2.9477% | 5,349 |
| Noninterest income to average assets | 0.2180% | 5,394 |
| Noninterest expense to average assets | 1.9413% | 5,685 |
| Loan and lease loss provision to assets | 0.0132% | 3,553 |
| Net operating income to assets | 0.7527% | 3,523 |
| Return on assets (ROA) | 0.7880% | 3,457 |
| Pretax return on assets | 1.0802% | 3,161 |
| Return on Equity (ROE) | 9.8175% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.8175% | 971 |
| Net charge-offs to loans | -0.0606% | 5,618 |
| Credit loss provision to net charge-offs | -50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0079% | 4,317 |
| Assets per employee ($millions) | 12.6544% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9153% | 1,252 |
| Loan loss allowance to noncurrent loans | 317,350.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,986 |
| Noncurrent loans to loans | 0.0006% | 5,825 |
| Net loans and leases to total assets | 43.1692% | 5,412 |
| Net loans and leases to deposits | 48.1342% | 5,558 |
| Net loans and leases to core deposits | 50.4247% | 5,573 |
| Total domestic deposits to total assets | 89.6850% | 912 |
| Equity capital to assets | 8.2838% | 5,881 |
| Core capital (leverage) ratio | 7.5434% | 6,126 |
| Tier 1 risk-based capital ratio | 15.0090% | 3,429 |
| Total risk-based capital ratio | 16.2748% | 3,351 |
| Memoranda: | ||
| Average total assets | $1,520,798,500 | 472 |
| Average earning assets | $1,428,247,500 | 453 |
| Average equity | $122,068,000 | 625 |
| Average total loans | $660,585,500 | 709 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1496% | 5,901 |
| Cost of funding earning assets | 0.1139% | 6,282 |
| Net interest margin | 3.0357% | 5,362 |
| Noninterest income to average assets | 0.1519% | 5,936 |
| Noninterest expense to average assets | 1.8544% | 6,005 |
| Loan and lease loss provision to assets | 0.0622% | 3,273 |
| Net operating income to assets | 0.7380% | 3,693 |
| Return on assets (ROA) | 0.7935% | 3,501 |
| Pretax return on assets | 1.1466% | 2,887 |
| Return on Equity (ROE) | 10.5392% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.5392% | 437 |
| Net charge-offs to loans | -0.0794% | 6,059 |
| Credit loss provision to net charge-offs | -181.7814% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1708% | 4,885 |
| Assets per employee ($millions) | 14.2197% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 1,304 |
| Loan loss allowance to noncurrent loans | 313,600.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 6,114 |
| Noncurrent loans to loans | 0.0006% | 5,944 |
| Net loans and leases to total assets | 42.0557% | 5,613 |
| Net loans and leases to deposits | 47.3319% | 5,722 |
| Net loans and leases to core deposits | 49.7010% | 5,725 |
| Total domestic deposits to total assets | 88.8527% | 1,322 |
| Equity capital to assets | 7.7743% | 6,148 |
| Core capital (leverage) ratio | 7.9557% | 6,030 |
| Tier 1 risk-based capital ratio | 15.5368% | 3,216 |
| Total risk-based capital ratio | 16.7923% | 3,143 |
| Memoranda: | ||
| Average total assets | $1,443,699,400 | 487 |
| Average earning assets | $1,346,267,600 | 470 |
| Average equity | $108,698,800 | 672 |
| Average total loans | $622,009,800 | 704 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2218% | 5,878 |
| Cost of funding earning assets | 0.1180% | 6,346 |
| Net interest margin | 3.1037% | 5,245 |
| Noninterest income to average assets | 0.1783% | 5,849 |
| Noninterest expense to average assets | 1.8661% | 5,999 |
| Loan and lease loss provision to assets | 0.0702% | 2,944 |
| Net operating income to assets | 0.7739% | 3,544 |
| Return on assets (ROA) | 0.8120% | 3,470 |
| Pretax return on assets | 1.1793% | 2,863 |
| Return on Equity (ROE) | 10.8801% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.8801% | 537 |
| Net charge-offs to loans | -0.1373% | 6,219 |
| Credit loss provision to net charge-offs | -118.5420% | 5,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9752% | 5,045 |
| Assets per employee ($millions) | 13.6816% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 1,328 |
| Loan loss allowance to noncurrent loans | 29,835.7143% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,198 |
| Noncurrent loans to loans | 0.0066% | 6,017 |
| Net loans and leases to total assets | 42.3778% | 5,642 |
| Net loans and leases to deposits | 49.1904% | 5,691 |
| Net loans and leases to core deposits | 51.7038% | 5,704 |
| Total domestic deposits to total assets | 86.1506% | 2,780 |
| Equity capital to assets | 7.7947% | 6,216 |
| Core capital (leverage) ratio | 8.0578% | 6,028 |
| Tier 1 risk-based capital ratio | 15.5098% | 3,314 |
| Total risk-based capital ratio | 16.7658% | 3,252 |
| Memoranda: | ||
| Average total assets | $1,420,693,250 | 489 |
| Average earning assets | $1,319,247,000 | 477 |
| Average equity | $106,025,500 | 690 |
| Average total loans | $612,911,250 | 717 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2642% | 5,849 |
| Cost of funding earning assets | 0.1223% | 6,402 |
| Net interest margin | 3.1419% | 5,117 |
| Noninterest income to average assets | 0.1883% | 5,829 |
| Noninterest expense to average assets | 1.8640% | 6,059 |
| Loan and lease loss provision to assets | 0.0785% | 2,715 |
| Net operating income to assets | 0.7973% | 3,351 |
| Return on assets (ROA) | 0.8187% | 3,336 |
| Pretax return on assets | 1.1945% | 2,686 |
| Return on Equity (ROE) | 11.1444% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.1444% | 521 |
| Net charge-offs to loans | -0.2025% | 6,346 |
| Credit loss provision to net charge-offs | -89.8693% | 5,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0119% | 5,296 |
| Assets per employee ($millions) | 13.6381% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 1,475 |
| Loan loss allowance to noncurrent loans | 3,240.5263% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 6,140 |
| Noncurrent loans to loans | 0.0600% | 5,853 |
| Net loans and leases to total assets | 42.5765% | 5,640 |
| Net loans and leases to deposits | 49.1325% | 5,699 |
| Net loans and leases to core deposits | 51.5022% | 5,696 |
| Total domestic deposits to total assets | 86.6566% | 2,668 |
| Equity capital to assets | 7.5165% | 6,344 |
| Core capital (leverage) ratio | 8.0149% | 6,089 |
| Tier 1 risk-based capital ratio | 15.1595% | 3,550 |
| Total risk-based capital ratio | 16.4152% | 3,490 |
| Memoranda: | ||
| Average total assets | $1,401,721,670 | 491 |
| Average earning assets | $1,301,680,000 | 482 |
| Average equity | $102,975,670 | 708 |
| Average total loans | $604,312,000 | 717 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2657% | 5,906 |
| Cost of funding earning assets | 0.1261% | 6,464 |
| Net interest margin | 3.1396% | 5,122 |
| Noninterest income to average assets | 0.1500% | 6,073 |
| Noninterest expense to average assets | 1.8824% | 6,095 |
| Loan and lease loss provision to assets | 0.0874% | 2,459 |
| Net operating income to assets | 0.7837% | 3,234 |
| Return on assets (ROA) | 0.7852% | 3,304 |
| Pretax return on assets | 1.1121% | 2,846 |
| Return on Equity (ROE) | 10.8211% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.8211% | 778 |
| Net charge-offs to loans | -0.1418% | 6,261 |
| Credit loss provision to net charge-offs | -143.5407% | 4,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1200% | 5,251 |
| Assets per employee ($millions) | 13.3924% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9444% | 1,635 |
| Loan loss allowance to noncurrent loans | 3,786.0390% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,235 |
| Noncurrent loans to loans | 0.0514% | 5,995 |
| Net loans and leases to total assets | 42.2215% | 5,648 |
| Net loans and leases to deposits | 47.2935% | 5,775 |
| Net loans and leases to core deposits | 49.5266% | 5,791 |
| Total domestic deposits to total assets | 89.2754% | 1,488 |
| Equity capital to assets | 7.4256% | 6,334 |
| Core capital (leverage) ratio | 7.9571% | 6,145 |
| Tier 1 risk-based capital ratio | 15.7474% | 3,302 |
| Total risk-based capital ratio | 17.0034% | 3,266 |
| Memoranda: | ||
| Average total assets | $1,372,943,500 | 504 |
| Average earning assets | $1,281,202,000 | 488 |
| Average equity | $99,620,000 | 731 |
| Average total loans | $589,656,000 | 740 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 5,939 |
| Cost of funding earning assets | 0.1477% | 6,546 |
| Net interest margin | 3.1881% | 5,040 |
| Noninterest income to average assets | 0.0741% | 6,470 |
| Noninterest expense to average assets | 1.9113% | 6,171 |
| Loan and lease loss provision to assets | 0.1267% | 2,728 |
| Net operating income to assets | 0.6862% | 3,866 |
| Return on assets (ROA) | 1.0206% | 2,305 |
| Pretax return on assets | 1.5240% | 1,370 |
| Return on Equity (ROE) | 13.5201% | 1,062 |
| Retained earnings to average equity (ytd only) | 13.5201% | 221 |
| Net charge-offs to loans | 0.1930% | 2,925 |
| Credit loss provision to net charge-offs | 158.0189% | 1,453 |
| Earnings coverage of net charge-offs (x) | 14.3623% | 1,950 |
| Efficiency ratio | 62.4034% | 5,138 |
| Assets per employee ($millions) | 12.5285% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 1,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 42.0105% | 5,825 |
| Net loans and leases to deposits | 45.8413% | 6,023 |
| Net loans and leases to core deposits | 48.1552% | 6,023 |
| Total domestic deposits to total assets | 91.6433% | 366 |
| Equity capital to assets | 7.0813% | 6,436 |
| Core capital (leverage) ratio | 7.6816% | 6,313 |
| Tier 1 risk-based capital ratio | 15.9774% | 3,099 |
| Total risk-based capital ratio | 17.2334% | 3,058 |
| Memoranda: | ||
| Average total assets | $1,322,089,600 | 501 |
| Average earning assets | $1,239,376,400 | 487 |
| Average equity | $99,799,200 | 709 |
| Average total loans | $549,269,200 | 768 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,977 |
| Cost of funding earning assets | 0.1525% | 6,630 |
| Net interest margin | 3.1943% | 5,020 |
| Noninterest income to average assets | 0.0698% | 6,576 |
| Noninterest expense to average assets | 1.9150% | 6,161 |
| Loan and lease loss provision to assets | 0.1471% | 2,439 |
| Net operating income to assets | 0.6664% | 4,031 |
| Return on assets (ROA) | 1.0810% | 2,162 |
| Pretax return on assets | 1.6157% | 1,304 |
| Return on Equity (ROE) | 14.0955% | 976 |
| Retained earnings to average equity (ytd only) | 14.0955% | 247 |
| Net charge-offs to loans | 0.2616% | 2,245 |
| Credit loss provision to net charge-offs | 136.4064% | 1,718 |
| Earnings coverage of net charge-offs (x) | 10.6086% | 2,337 |
| Efficiency ratio | 62.6032% | 5,052 |
| Assets per employee ($millions) | 13.0424% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 1,952 |
| Loan loss allowance to noncurrent loans | 1,115.8325% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 6,217 |
| Noncurrent loans to loans | 0.1719% | 5,809 |
| Net loans and leases to total assets | 41.1793% | 5,957 |
| Net loans and leases to deposits | 46.4144% | 6,072 |
| Net loans and leases to core deposits | 49.0198% | 6,070 |
| Total domestic deposits to total assets | 88.7210% | 1,711 |
| Equity capital to assets | 7.0330% | 6,538 |
| Core capital (leverage) ratio | 7.7896% | 6,332 |
| Tier 1 risk-based capital ratio | 15.6132% | 3,396 |
| Total risk-based capital ratio | 16.8686% | 3,357 |
| Memoranda: | ||
| Average total assets | $1,314,343,500 | 504 |
| Average earning assets | $1,229,969,750 | 492 |
| Average equity | $100,795,250 | 710 |
| Average total loans | $541,690,250 | 778 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3293% | 6,039 |
| Cost of funding earning assets | 0.1612% | 6,665 |
| Net interest margin | 3.1681% | 5,054 |
| Noninterest income to average assets | 0.0471% | 6,680 |
| Noninterest expense to average assets | 1.9495% | 6,134 |
| Loan and lease loss provision to assets | 0.1769% | 2,144 |
| Net operating income to assets | 0.5901% | 4,340 |
| Return on assets (ROA) | 1.1636% | 1,799 |
| Pretax return on assets | 1.7753% | 973 |
| Return on Equity (ROE) | 14.7474% | 857 |
| Retained earnings to average equity (ytd only) | 14.7474% | 253 |
| Net charge-offs to loans | 0.3546% | 1,778 |
| Credit loss provision to net charge-offs | 121.8220% | 1,836 |
| Earnings coverage of net charge-offs (x) | 7.4608% | 2,544 |
| Efficiency ratio | 64.2814% | 4,833 |
| Assets per employee ($millions) | 12.3821% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 2,123 |
| Loan loss allowance to noncurrent loans | 1,523.8298% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 6,343 |
| Noncurrent loans to loans | 0.1245% | 6,012 |
| Net loans and leases to total assets | 42.7390% | 5,848 |
| Net loans and leases to deposits | 48.6405% | 5,940 |
| Net loans and leases to core deposits | 51.6128% | 5,919 |
| Total domestic deposits to total assets | 87.8671% | 2,343 |
| Equity capital to assets | 7.6520% | 6,393 |
| Core capital (leverage) ratio | 7.7855% | 6,314 |
| Tier 1 risk-based capital ratio | 15.6009% | 3,429 |
| Total risk-based capital ratio | 16.8568% | 3,372 |
| Memoranda: | ||
| Average total assets | $1,300,320,330 | 508 |
| Average earning assets | $1,225,476,670 | 493 |
| Average equity | $102,594,670 | 700 |
| Average total loans | $532,425,330 | 783 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2816% | 6,185 |
| Cost of funding earning assets | 0.1710% | 6,725 |
| Net interest margin | 3.1106% | 5,221 |
| Noninterest income to average assets | 0.0065% | 6,837 |
| Noninterest expense to average assets | 1.8680% | 6,336 |
| Loan and lease loss provision to assets | 0.0923% | 3,120 |
| Net operating income to assets | 0.6562% | 3,922 |
| Return on assets (ROA) | 1.2104% | 1,613 |
| Pretax return on assets | 1.8163% | 857 |
| Return on Equity (ROE) | 15.1129% | 743 |
| Retained earnings to average equity (ytd only) | 15.1129% | 342 |
| Net charge-offs to loans | 0.4858% | 1,232 |
| Credit loss provision to net charge-offs | 47.9233% | 2,631 |
| Earnings coverage of net charge-offs (x) | 5.6166% | 2,346 |
| Efficiency ratio | 63.3330% | 5,110 |
| Assets per employee ($millions) | 12.3996% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9390% | 2,199 |
| Loan loss allowance to noncurrent loans | 812.9777% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 6,305 |
| Noncurrent loans to loans | 0.2385% | 5,817 |
| Net loans and leases to total assets | 39.6624% | 6,022 |
| Net loans and leases to deposits | 46.3564% | 6,036 |
| Net loans and leases to core deposits | 49.1808% | 6,023 |
| Total domestic deposits to total assets | 85.5598% | 3,769 |
| Equity capital to assets | 8.0313% | 6,363 |
| Core capital (leverage) ratio | 7.5389% | 6,454 |
| Tier 1 risk-based capital ratio | 15.9599% | 3,293 |
| Total risk-based capital ratio | 17.2166% | 3,247 |
| Memoranda: | ||
| Average total assets | $1,300,419,000 | 511 |
| Average earning assets | $1,230,362,000 | 493 |
| Average equity | $104,149,500 | 698 |
| Average total loans | $515,437,000 | 819 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3695% | 6,513 |
| Cost of funding earning assets | 0.2354% | 6,730 |
| Net interest margin | 3.1341% | 5,733 |
| Noninterest income to average assets | 0.1070% | 6,478 |
| Noninterest expense to average assets | 1.9248% | 6,464 |
| Loan and lease loss provision to assets | 0.1296% | 3,994 |
| Net operating income to assets | 0.6809% | 3,832 |
| Return on assets (ROA) | 0.8818% | 3,149 |
| Pretax return on assets | 1.3152% | 2,337 |
| Return on Equity (ROE) | 11.4188% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.4188% | 390 |
| Net charge-offs to loans | -0.0007% | 6,306 |
| Credit loss provision to net charge-offs | -53,333.3333% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7032% | 5,131 |
| Assets per employee ($millions) | 12.6105% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0895% | 1,797 |
| Loan loss allowance to noncurrent loans | 921.0664% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 6,374 |
| Noncurrent loans to loans | 0.2269% | 5,913 |
| Net loans and leases to total assets | 38.0126% | 6,307 |
| Net loans and leases to deposits | 46.2749% | 6,236 |
| Net loans and leases to core deposits | 49.2410% | 6,193 |
| Total domestic deposits to total assets | 82.1452% | 5,044 |
| Equity capital to assets | 7.9865% | 6,419 |
| Core capital (leverage) ratio | 7.1899% | 6,639 |
| Tier 1 risk-based capital ratio | 16.2895% | 3,001 |
| Total risk-based capital ratio | 17.5484% | 2,953 |
| Memoranda: | ||
| Average total assets | $1,234,230,800 | 532 |
| Average earning assets | $1,166,757,000 | 511 |
| Average equity | $95,316,800 | 741 |
| Average total loans | $444,070,000 | 936 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4165% | 6,608 |
| Cost of funding earning assets | 0.2458% | 6,826 |
| Net interest margin | 3.1708% | 5,767 |
| Noninterest income to average assets | 0.1038% | 6,606 |
| Noninterest expense to average assets | 1.8778% | 6,561 |
| Loan and lease loss provision to assets | 0.0985% | 4,339 |
| Net operating income to assets | 0.7499% | 3,692 |
| Return on assets (ROA) | 0.9196% | 3,110 |
| Pretax return on assets | 1.3744% | 2,327 |
| Return on Equity (ROE) | 12.0167% | 1,633 |
| Retained earnings to average equity (ytd only) | 12.0167% | 526 |
| Net charge-offs to loans | -0.0037% | 6,246 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6248% | 5,392 |
| Assets per employee ($millions) | 12.8546% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2003% | 1,704 |
| Loan loss allowance to noncurrent loans | 4,475.4545% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 6,730 |
| Noncurrent loans to loans | 0.0492% | 6,494 |
| Net loans and leases to total assets | 34.3889% | 6,640 |
| Net loans and leases to deposits | 41.2780% | 6,632 |
| Net loans and leases to core deposits | 43.8130% | 6,604 |
| Total domestic deposits to total assets | 83.3104% | 4,514 |
| Equity capital to assets | 7.8891% | 6,640 |
| Core capital (leverage) ratio | 7.2479% | 6,734 |
| Tier 1 risk-based capital ratio | 17.5036% | 2,539 |
| Total risk-based capital ratio | 18.7634% | 2,500 |
| Memoranda: | ||
| Average total assets | $1,218,069,000 | 543 |
| Average earning assets | $1,150,022,000 | 521 |
| Average equity | $93,212,250 | 760 |
| Average total loans | $429,019,000 | 985 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3771% | 6,742 |
| Cost of funding earning assets | 0.2635% | 6,864 |
| Net interest margin | 3.1136% | 5,967 |
| Noninterest income to average assets | 0.0708% | 6,794 |
| Noninterest expense to average assets | 1.8978% | 6,601 |
| Loan and lease loss provision to assets | 0.1000% | 4,280 |
| Net operating income to assets | 0.6886% | 3,930 |
| Return on assets (ROA) | 0.8447% | 3,439 |
| Pretax return on assets | 1.2471% | 2,735 |
| Return on Equity (ROE) | 11.1609% | 1,934 |
| Retained earnings to average equity (ytd only) | 11.1609% | 719 |
| Net charge-offs to loans | -0.0038% | 6,133 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9409% | 5,093 |
| Assets per employee ($millions) | 12.9458% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1924% | 1,785 |
| Loan loss allowance to noncurrent loans | 393.6469% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 6,287 |
| Noncurrent loans to loans | 0.5569% | 5,402 |
| Net loans and leases to total assets | 34.6135% | 6,689 |
| Net loans and leases to deposits | 39.7693% | 6,738 |
| Net loans and leases to core deposits | 42.5020% | 6,712 |
| Total domestic deposits to total assets | 87.0358% | 2,744 |
| Equity capital to assets | 7.8068% | 6,673 |
| Core capital (leverage) ratio | 7.1115% | 6,783 |
| Tier 1 risk-based capital ratio | 17.1607% | 2,602 |
| Total risk-based capital ratio | 18.4200% | 2,563 |
| Memoranda: | ||
| Average total assets | $1,199,888,670 | 552 |
| Average earning assets | $1,134,698,670 | 531 |
| Average equity | $90,817,330 | 769 |
| Average total loans | $422,864,670 | 995 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 6,846 |
| Cost of funding earning assets | 0.2735% | 6,925 |
| Net interest margin | 3.0932% | 6,067 |
| Noninterest income to average assets | 0.0368% | 6,983 |
| Noninterest expense to average assets | 1.9266% | 6,596 |
| Loan and lease loss provision to assets | 0.1013% | 4,069 |
| Net operating income to assets | 0.6669% | 4,043 |
| Return on assets (ROA) | 0.8115% | 3,560 |
| Pretax return on assets | 1.1518% | 3,104 |
| Return on Equity (ROE) | 10.9000% | 2,057 |
| Retained earnings to average equity (ytd only) | 10.9000% | 1,055 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8007% | 4,778 |
| Assets per employee ($millions) | 12.5801% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 1,835 |
| Loan loss allowance to noncurrent loans | 415.7587% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 6,414 |
| Noncurrent loans to loans | 0.5351% | 5,595 |
| Net loans and leases to total assets | 33.9582% | 6,743 |
| Net loans and leases to deposits | 39.6221% | 6,753 |
| Net loans and leases to core deposits | 42.5401% | 6,718 |
| Total domestic deposits to total assets | 85.7051% | 3,685 |
| Equity capital to assets | 7.4863% | 6,783 |
| Core capital (leverage) ratio | 6.9857% | 6,842 |
| Tier 1 risk-based capital ratio | 17.4333% | 2,503 |
| Total risk-based capital ratio | 18.6931% | 2,466 |
| Memoranda: | ||
| Average total assets | $1,184,909,000 | 558 |
| Average earning assets | $1,124,775,000 | 532 |
| Average equity | $88,220,000 | 786 |
| Average total loans | $416,679,000 | 1,003 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 6,836 |
| Cost of funding earning assets | 0.3420% | 7,032 |
| Net interest margin | 3.3671% | 5,592 |
| Noninterest income to average assets | 0.1502% | 6,396 |
| Noninterest expense to average assets | 2.1205% | 6,449 |
| Loan and lease loss provision to assets | 0.1801% | 4,395 |
| Net operating income to assets | 0.7284% | 3,340 |
| Return on assets (ROA) | 0.9007% | 2,731 |
| Pretax return on assets | 1.2730% | 2,226 |
| Return on Equity (ROE) | 12.9466% | 1,178 |
| Retained earnings to average equity (ytd only) | 12.9466% | 231 |
| Net charge-offs to loans | 0.0227% | 6,125 |
| Credit loss provision to net charge-offs | 2,125.8065% | 108 |
| Earnings coverage of net charge-offs (x) | 142.8495% | 236 |
| Efficiency ratio | 63.6625% | 5,185 |
| Assets per employee ($millions) | 12.4969% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 1,920 |
| Loan loss allowance to noncurrent loans | 399.0174% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 6,477 |
| Noncurrent loans to loans | 0.5353% | 5,644 |
| Net loans and leases to total assets | 34.8472% | 6,826 |
| Net loans and leases to deposits | 39.7602% | 6,896 |
| Net loans and leases to core deposits | 42.6168% | 6,865 |
| Total domestic deposits to total assets | 87.6434% | 2,373 |
| Equity capital to assets | 7.4036% | 6,856 |
| Core capital (leverage) ratio | 6.7166% | 6,940 |
| Tier 1 risk-based capital ratio | 16.5813% | 2,788 |
| Total risk-based capital ratio | 17.8400% | 2,753 |
| Memoranda: | ||
| Average total assets | $1,097,600,200 | 594 |
| Average earning assets | $1,036,839,400 | 563 |
| Average equity | $76,360,000 | 879 |
| Average total loans | $409,869,800 | 1,026 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 6,882 |
| Cost of funding earning assets | 0.3548% | 7,115 |
| Net interest margin | 3.4019% | 5,561 |
| Noninterest income to average assets | 0.1724% | 6,354 |
| Noninterest expense to average assets | 2.1272% | 6,458 |
| Loan and lease loss provision to assets | 0.1764% | 4,271 |
| Net operating income to assets | 0.7749% | 3,281 |
| Return on assets (ROA) | 0.9861% | 2,526 |
| Pretax return on assets | 1.3704% | 2,037 |
| Return on Equity (ROE) | 14.4261% | 956 |
| Retained earnings to average equity (ytd only) | 14.4261% | 272 |
| Net charge-offs to loans | 0.0330% | 5,685 |
| Credit loss provision to net charge-offs | 1,412.8713% | 192 |
| Earnings coverage of net charge-offs (x) | 100.3787% | 365 |
| Efficiency ratio | 62.9215% | 5,254 |
| Assets per employee ($millions) | 12.7701% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0618% | 2,172 |
| Loan loss allowance to noncurrent loans | 371.4412% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 6,568 |
| Noncurrent loans to loans | 0.5551% | 5,755 |
| Net loans and leases to total assets | 35.0072% | 6,913 |
| Net loans and leases to deposits | 39.4579% | 6,992 |
| Net loans and leases to core deposits | 43.0101% | 6,952 |
| Total domestic deposits to total assets | 88.7202% | 1,606 |
| Equity capital to assets | 7.3244% | 6,975 |
| Core capital (leverage) ratio | 7.0297% | 6,952 |
| Tier 1 risk-based capital ratio | 16.6707% | 2,772 |
| Total risk-based capital ratio | 17.9285% | 2,737 |
| Memoranda: | ||
| Average total assets | $1,078,322,250 | 613 |
| Average earning assets | $1,016,989,750 | 586 |
| Average equity | $73,707,250 | 922 |
| Average total loans | $407,765,250 | 1,042 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 6,895 |
| Cost of funding earning assets | 0.3612% | 7,208 |
| Net interest margin | 3.4633% | 5,310 |
| Noninterest income to average assets | 0.1277% | 6,689 |
| Noninterest expense to average assets | 2.1752% | 6,440 |
| Loan and lease loss provision to assets | 0.1987% | 3,942 |
| Net operating income to assets | 0.7498% | 3,291 |
| Return on assets (ROA) | 0.8932% | 2,776 |
| Pretax return on assets | 1.2186% | 2,409 |
| Return on Equity (ROE) | 13.4102% | 1,114 |
| Retained earnings to average equity (ytd only) | 13.4102% | 365 |
| Net charge-offs to loans | 0.0495% | 5,161 |
| Credit loss provision to net charge-offs | 1,041.5842% | 323 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 512 |
| Efficiency ratio | 64.0509% | 5,227 |
| Assets per employee ($millions) | 12.5751% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 2,444 |
| Loan loss allowance to noncurrent loans | 3,941.3793% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 7,069 |
| Noncurrent loans to loans | 0.0501% | 6,857 |
| Net loans and leases to total assets | 35.9265% | 6,963 |
| Net loans and leases to deposits | 42.3316% | 6,979 |
| Net loans and leases to core deposits | 46.2154% | 6,924 |
| Total domestic deposits to total assets | 84.8692% | 3,936 |
| Equity capital to assets | 6.9330% | 7,117 |
| Core capital (leverage) ratio | 6.9460% | 7,017 |
| Tier 1 risk-based capital ratio | 16.0958% | 2,932 |
| Total risk-based capital ratio | 17.3528% | 2,895 |
| Memoranda: | ||
| Average total assets | $1,058,917,670 | 636 |
| Average earning assets | $999,344,330 | 601 |
| Average equity | $70,528,330 | 965 |
| Average total loans | $408,272,000 | 1,053 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8773% | 6,850 |
| Cost of funding earning assets | 0.3678% | 7,288 |
| Net interest margin | 3.5095% | 4,965 |
| Noninterest income to average assets | 0.1391% | 6,715 |
| Noninterest expense to average assets | 2.2364% | 6,337 |
| Loan and lease loss provision to assets | 0.1836% | 3,776 |
| Net operating income to assets | 0.7613% | 3,213 |
| Return on assets (ROA) | 0.8552% | 2,817 |
| Pretax return on assets | 1.1702% | 2,479 |
| Return on Equity (ROE) | 13.1273% | 1,165 |
| Retained earnings to average equity (ytd only) | 13.1273% | 568 |
| Net charge-offs to loans | 0.0488% | 4,450 |
| Credit loss provision to net charge-offs | 950.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 469 |
| Efficiency ratio | 64.6087% | 5,261 |
| Assets per employee ($millions) | 12.1973% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 2,947 |
| Loan loss allowance to noncurrent loans | 3,682.2660% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 7,140 |
| Noncurrent loans to loans | 0.0494% | 6,926 |
| Net loans and leases to total assets | 37.9929% | 6,904 |
| Net loans and leases to deposits | 44.6459% | 6,929 |
| Net loans and leases to core deposits | 48.3225% | 6,863 |
| Total domestic deposits to total assets | 85.0983% | 3,990 |
| Equity capital to assets | 6.4848% | 7,213 |
| Core capital (leverage) ratio | 6.8525% | 7,067 |
| Tier 1 risk-based capital ratio | 14.1215% | 3,990 |
| Total risk-based capital ratio | 15.3752% | 3,960 |
| Memoranda: | ||
| Average total assets | $1,035,070,000 | 655 |
| Average earning assets | $979,848,000 | 620 |
| Average equity | $67,432,000 | 994 |
| Average total loans | $409,624,000 | 1,062 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 7,137 |
| Cost of funding earning assets | 0.5101% | 7,286 |
| Net interest margin | 3.4865% | 5,298 |
| Noninterest income to average assets | 0.1433% | 6,672 |
| Noninterest expense to average assets | 2.3084% | 6,336 |
| Loan and lease loss provision to assets | 0.1871% | 5,360 |
| Net operating income to assets | 0.7395% | 3,050 |
| Return on assets (ROA) | 0.9131% | 2,467 |
| Pretax return on assets | 1.1523% | 2,389 |
| Return on Equity (ROE) | 13.7878% | 930 |
| Retained earnings to average equity (ytd only) | 13.7878% | 170 |
| Net charge-offs to loans | 0.0594% | 6,201 |
| Credit loss provision to net charge-offs | 792.4444% | 274 |
| Earnings coverage of net charge-offs (x) | 47.4178% | 486 |
| Efficiency ratio | 67.3391% | 4,698 |
| Assets per employee ($millions) | 11.2108% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 3,117 |
| Loan loss allowance to noncurrent loans | 565.8106% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 6,934 |
| Noncurrent loans to loans | 0.3049% | 6,441 |
| Net loans and leases to total assets | 39.7983% | 6,974 |
| Net loans and leases to deposits | 45.8065% | 7,052 |
| Net loans and leases to core deposits | 49.5714% | 6,997 |
| Total domestic deposits to total assets | 86.8836% | 2,889 |
| Equity capital to assets | 6.5462% | 7,246 |
| Core capital (leverage) ratio | 6.6792% | 7,146 |
| Tier 1 risk-based capital ratio | 14.2103% | 3,732 |
| Total risk-based capital ratio | 15.4639% | 3,686 |
| Memoranda: | ||
| Average total assets | $952,915,200 | 704 |
| Average earning assets | $897,745,200 | 671 |
| Average equity | $63,106,400 | 1,061 |
| Average total loans | $378,628,200 | 1,198 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 7,257 |
| Cost of funding earning assets | 0.5381% | 7,390 |
| Net interest margin | 3.5071% | 5,264 |
| Noninterest income to average assets | 0.1328% | 6,894 |
| Noninterest expense to average assets | 2.3627% | 6,143 |
| Loan and lease loss provision to assets | 0.1487% | 5,552 |
| Net operating income to assets | 0.7286% | 3,288 |
| Return on assets (ROA) | 0.9125% | 2,710 |
| Pretax return on assets | 1.1414% | 2,692 |
| Return on Equity (ROE) | 13.7369% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.7369% | 292 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0259% | 4,260 |
| Assets per employee ($millions) | 11.1943% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 3,078 |
| Loan loss allowance to noncurrent loans | 689.0411% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 7,116 |
| Noncurrent loans to loans | 0.2504% | 6,677 |
| Net loans and leases to total assets | 37.8024% | 7,193 |
| Net loans and leases to deposits | 41.8358% | 7,307 |
| Net loans and leases to core deposits | 45.8519% | 7,269 |
| Total domestic deposits to total assets | 90.3589% | 694 |
| Equity capital to assets | 7.0770% | 7,316 |
| Core capital (leverage) ratio | 6.7075% | 7,286 |
| Tier 1 risk-based capital ratio | 13.7654% | 4,010 |
| Total risk-based capital ratio | 15.0176% | 3,962 |
| Memoranda: | ||
| Average total assets | $938,901,000 | 711 |
| Average earning assets | $880,821,500 | 684 |
| Average equity | $62,370,750 | 1,077 |
| Average total loans | $371,134,250 | 1,227 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 7,241 |
| Cost of funding earning assets | 0.5642% | 7,459 |
| Net interest margin | 3.5772% | 4,914 |
| Noninterest income to average assets | 0.1351% | 6,909 |
| Noninterest expense to average assets | 2.4845% | 5,771 |
| Loan and lease loss provision to assets | 0.1239% | 5,656 |
| Net operating income to assets | 0.6889% | 3,452 |
| Return on assets (ROA) | 0.8894% | 2,711 |
| Pretax return on assets | 1.1309% | 2,667 |
| Return on Equity (ROE) | 13.7077% | 1,096 |
| Retained earnings to average equity (ytd only) | 13.7077% | 324 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2812% | 3,945 |
| Assets per employee ($millions) | 11.1608% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 3,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.0665% | 7,216 |
| Net loans and leases to deposits | 43.0654% | 7,353 |
| Net loans and leases to core deposits | 47.9896% | 7,285 |
| Total domestic deposits to total assets | 90.7142% | 596 |
| Equity capital to assets | 6.7184% | 7,434 |
| Core capital (leverage) ratio | 6.8494% | 7,262 |
| Tier 1 risk-based capital ratio | 12.0917% | 5,234 |
| Total risk-based capital ratio | 13.2964% | 5,236 |
| Memoranda: | ||
| Average total assets | $923,501,670 | 725 |
| Average earning assets | $864,934,330 | 695 |
| Average equity | $59,922,670 | 1,106 |
| Average total loans | $368,535,670 | 1,246 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 7,299 |
| Cost of funding earning assets | 0.5748% | 7,573 |
| Net interest margin | 3.5886% | 4,779 |
| Noninterest income to average assets | 0.0615% | 7,411 |
| Noninterest expense to average assets | 2.6299% | 5,228 |
| Loan and lease loss provision to assets | 0.1304% | 5,267 |
| Net operating income to assets | 0.5641% | 4,062 |
| Return on assets (ROA) | 0.8260% | 2,949 |
| Pretax return on assets | 0.9849% | 3,147 |
| Return on Equity (ROE) | 12.9687% | 1,262 |
| Retained earnings to average equity (ytd only) | 12.9687% | 622 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5955% | 3,119 |
| Assets per employee ($millions) | 10.8299% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 3,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 38.8494% | 7,313 |
| Net loans and leases to deposits | 42.7219% | 7,437 |
| Net loans and leases to core deposits | 46.9487% | 7,398 |
| Total domestic deposits to total assets | 90.9355% | 574 |
| Equity capital to assets | 6.4206% | 7,546 |
| Core capital (leverage) ratio | 6.6824% | 7,397 |
| Tier 1 risk-based capital ratio | 12.6882% | 4,572 |
| Total risk-based capital ratio | 13.9382% | 4,535 |
| Memoranda: | ||
| Average total assets | $910,920,000 | 749 |
| Average earning assets | $855,932,500 | 716 |
| Average equity | $58,016,500 | 1,146 |
| Average total loans | $364,466,500 | 1,295 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3413% | 7,531 |
| Cost of funding earning assets | 0.7464% | 7,626 |
| Net interest margin | 3.5949% | 4,568 |
| Noninterest income to average assets | 0.1636% | 6,905 |
| Noninterest expense to average assets | 2.4902% | 6,167 |
| Loan and lease loss provision to assets | 0.1534% | 6,138 |
| Net operating income to assets | 0.7244% | 2,834 |
| Return on assets (ROA) | 0.8738% | 2,330 |
| Pretax return on assets | 1.0510% | 2,409 |
| Return on Equity (ROE) | 13.8711% | 807 |
| Retained earnings to average equity (ytd only) | 13.8711% | 126 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8534% | 4,465 |
| Assets per employee ($millions) | 10.7298% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 3,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 39.9454% | 7,351 |
| Net loans and leases to deposits | 45.9889% | 7,440 |
| Net loans and leases to core deposits | 51.7198% | 7,540 |
| Total domestic deposits to total assets | 86.8588% | 2,580 |
| Equity capital to assets | 6.3163% | 7,608 |
| Core capital (leverage) ratio | 6.8431% | 7,345 |
| Tier 1 risk-based capital ratio | 12.7358% | 4,339 |
| Total risk-based capital ratio | 13.9349% | 4,310 |
| Memoranda: | ||
| Average total assets | $826,839,800 | 824 |
| Average earning assets | $770,730,400 | 805 |
| Average equity | $52,086,800 | 1,281 |
| Average total loans | $340,850,600 | 1,421 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 7,605 |
| Cost of funding earning assets | 0.7901% | 7,709 |
| Net interest margin | 3.6122% | 4,434 |
| Noninterest income to average assets | 0.1557% | 7,073 |
| Noninterest expense to average assets | 2.5677% | 5,831 |
| Loan and lease loss provision to assets | 0.1506% | 5,841 |
| Net operating income to assets | 0.6480% | 3,417 |
| Return on assets (ROA) | 0.8036% | 2,867 |
| Pretax return on assets | 0.9811% | 2,963 |
| Return on Equity (ROE) | 12.7653% | 1,155 |
| Retained earnings to average equity (ytd only) | 12.7653% | 275 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1610% | 4,025 |
| Assets per employee ($millions) | 9.9659% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 3,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 7,542 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 40.3718% | 7,448 |
| Net loans and leases to deposits | 45.1733% | 7,591 |
| Net loans and leases to core deposits | 51.6955% | 7,651 |
| Total domestic deposits to total assets | 89.3711% | 1,027 |
| Equity capital to assets | 6.7293% | 7,701 |
| Core capital (leverage) ratio | 6.5139% | 7,668 |
| Tier 1 risk-based capital ratio | 12.0153% | 4,964 |
| Total risk-based capital ratio | 13.1700% | 4,982 |
| Memoranda: | ||
| Average total assets | $808,224,750 | 857 |
| Average earning assets | $750,439,750 | 839 |
| Average equity | $50,876,250 | 1,329 |
| Average total loans | $334,683,250 | 1,463 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 7,695 |
| Cost of funding earning assets | 0.8381% | 7,773 |
| Net interest margin | 3.5845% | 4,435 |
| Noninterest income to average assets | 0.1139% | 7,412 |
| Noninterest expense to average assets | 2.5502% | 5,943 |
| Loan and lease loss provision to assets | 0.1548% | 5,524 |
| Net operating income to assets | 0.5925% | 3,708 |
| Return on assets (ROA) | 0.7629% | 3,108 |
| Pretax return on assets | 0.9407% | 3,208 |
| Return on Equity (ROE) | 12.4295% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.4295% | 385 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2336% | 4,001 |
| Assets per employee ($millions) | 10.4092% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 3,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 7,590 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 39.1117% | 7,589 |
| Net loans and leases to deposits | 43.7679% | 7,708 |
| Net loans and leases to core deposits | 49.7923% | 7,763 |
| Total domestic deposits to total assets | 89.3616% | 1,100 |
| Equity capital to assets | 6.0203% | 7,922 |
| Core capital (leverage) ratio | 6.7001% | 7,702 |
| Tier 1 risk-based capital ratio | 11.9484% | 4,962 |
| Total risk-based capital ratio | 13.0703% | 4,997 |
| Memoranda: | ||
| Average total assets | $791,943,670 | 888 |
| Average earning assets | $733,821,670 | 873 |
| Average equity | $48,610,000 | 1,420 |
| Average total loans | $329,194,000 | 1,514 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 7,670 |
| Cost of funding earning assets | 0.8956% | 7,820 |
| Net interest margin | 3.6548% | 4,078 |
| Noninterest income to average assets | 0.1195% | 7,425 |
| Noninterest expense to average assets | 2.6192% | 5,372 |
| Loan and lease loss provision to assets | 0.1660% | 4,805 |
| Net operating income to assets | 0.5668% | 4,154 |
| Return on assets (ROA) | 0.7020% | 3,738 |
| Pretax return on assets | 0.8837% | 3,776 |
| Return on Equity (ROE) | 11.3180% | 1,874 |
| Retained earnings to average equity (ytd only) | 11.3180% | 918 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8843% | 3,682 |
| Assets per employee ($millions) | 10.0777% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 3,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 7,575 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 41.3513% | 7,505 |
| Net loans and leases to deposits | 47.2015% | 7,614 |
| Net loans and leases to core deposits | 55.1998% | 7,646 |
| Total domestic deposits to total assets | 87.6059% | 1,919 |
| Equity capital to assets | 6.1122% | 7,976 |
| Core capital (leverage) ratio | 6.9414% | 7,672 |
| Tier 1 risk-based capital ratio | 11.7066% | 5,200 |
| Total risk-based capital ratio | 12.7722% | 5,284 |
| Memoranda: | ||
| Average total assets | $766,344,500 | 914 |
| Average earning assets | $708,319,500 | 904 |
| Average equity | $47,535,000 | 1,450 |
| Average total loans | $326,489,000 | 1,539 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 7,732 |
| Cost of funding earning assets | 1.3333% | 7,809 |
| Net interest margin | 3.8140% | 3,960 |
| Noninterest income to average assets | 0.1611% | 7,272 |
| Noninterest expense to average assets | 2.6475% | 5,458 |
| Loan and lease loss provision to assets | 0.0778% | 6,424 |
| Net operating income to assets | 0.7030% | 3,881 |
| Return on assets (ROA) | 0.8010% | 3,266 |
| Pretax return on assets | 1.0356% | 3,254 |
| Return on Equity (ROE) | 11.8147% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.8147% | 239 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8609% | 3,777 |
| Assets per employee ($millions) | 9.9550% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 3,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,564 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 42.7476% | 7,545 |
| Net loans and leases to deposits | 49.3474% | 7,656 |
| Net loans and leases to core deposits | 60.3436% | 7,570 |
| Total domestic deposits to total assets | 86.6259% | 2,133 |
| Equity capital to assets | 6.2982% | 7,995 |
| Core capital (leverage) ratio | 6.9927% | 7,702 |
| Tier 1 risk-based capital ratio | 12.3020% | 4,584 |
| Total risk-based capital ratio | 13.3397% | 4,632 |
| Memoranda: | ||
| Average total assets | $666,754,400 | 1,002 |
| Average earning assets | $607,060,600 | 1,003 |
| Average equity | $45,206,400 | 1,497 |
| Average total loans | $298,557,600 | 1,617 |